Loan interest calculation method and device, electronic equipment and storage medium

Abstract

The invention provides a loan interest bearing method and device, electronic equipment and a storage medium, and the method comprises the steps: obtaining at least one piece of interest bearing detail information of a target loan in response to an interest settlement request or a repayment request of the target loan, the interest bearing detail information comprising an interest bearing principal, an interest bearing rate, a starting date, an ending date, interest to be considered and a state, the states comprise a normal state, an interest settlement state, a to-be-settled state and a settlement state; the interest bearing detail information is updated according to the interest bearing frequency; and based on one or more of the state, the interest bearing principal, the interest bearing and the interest bearing rate in the at least one piece of interest bearing detail information of the target loan, performing interest bearing processing in the interest settlement processing process of the target loan or interest bearing processing in the repayment processing process of the target loan. A detailed interest-bearing model is provided, detailed interest-bearing of loans is realized, and the problem that interest-bearing principal splitting cannot be carried out in a balance interest-bearing mode in related technologies is solved.

Description

Technical Field

[0001] The present application relates to the field of data processing technology, and in particular to a loan interest calculation method, device, electronic device and storage medium. Background Art

[0002] Bank reversal transactions are special transactions that correct completed erroneous transactions. Reversal transactions will cancel the impact of the original erroneous transaction and make accounting adjustments.

[0003] The existing loan core system calculates interest based on the current loan balance. When it is necessary to correct the historical repayment record, since there is only one loan balance after a transaction, the balance interest calculation method cannot split the loan amount and the interest-bearing principal amount as required because there is no interest-bearing principal record for each transaction. In other words, it is impossible to distinguish which part of the interest belongs to which part of the principal, making it difficult to restore the interest-bearing amount of the historical repayment part. For example, user A once repaid 10,000 yuan, including principal and interest. Now the loan core system only retains the loan balance after user A's repayment. If user A wants to query the interest-bearing amount of the repayment part, it cannot be restored based on the current loan balance. In addition, the balance interest calculation method cannot realize the interest settlement on the interest payment date in advance. Summary of the invention

[0004] The present application aims to solve one of the technical problems in the related art at least to some extent.

[0005] To this end, the first purpose of this application is to propose a loan interest calculation method to achieve detailed interest calculation of the loan and solve the problem that the balance interest calculation method in the related technology cannot split the interest and principal.

[0006] The second purpose of this application is to provide a loan interest calculation device.

[0007] The third objective of the present application is to provide an electronic device.

[0008] A fourth objective of the present application is to provide a computer-readable storage medium.

[0009] A fifth object of the present application is to provide a computer program product.

[0010] To achieve the above-mentioned purpose, the first embodiment of the present application proposes a loan interest calculation method, including:

[0011] In response to an interest settlement request or a repayment request for a target loan, obtaining at least one piece of interest calculation detail information of the target loan, the interest calculation detail information including the interest-bearing principal, the interest-bearing rate, the start date, the end date, the accrued interest and the status, the status including the normal status, the interest settlement status, the pending interest settlement status and the settlement status; the interest calculation detail information is updated according to the interest calculation frequency;

[0012] Based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one interest-bearing detail information of the target loan, interest calculation processing is performed during the interest settlement process or during the repayment process of the target loan.

[0013] In some implementations, the interest calculation details information is recorded in an interest calculation details table, and the fields of the interest calculation details table include the loan number, interest-bearing principal, interest-bearing rate, start date, end date, accrued interest, status, settlement serial number and settlement date.

[0014] In some implementations, the interest calculation frequency is daily, and the interest calculation details are updated according to the interest calculation frequency, including:

[0015] When calculating interest daily, for the first target interest calculation detail information in the interest calculation detail table with a status of normal, calculate the first interest from the start date to the current trading day, and update the first interest to the accrued interest field of the first target interest calculation detail information; wherein, after the loan is disbursed, a new interest calculation detail information is added to the interest calculation detail table, the start date of the interest calculation detail information is the disbursement date, the interest calculation principal is the disbursement amount, the interest calculation interest rate is the interest rate at the time of disbursement, and the status is normal;

[0016] When calculating interest daily, for a target loan for which there is no interest calculation detail information in a normal state in the interest calculation detail table and there is principal, a new interest calculation detail information is added to the interest calculation detail table, and the start date of the interest calculation detail information is the previous trading day, the interest calculation principal is the remaining principal of the target loan, and the status is normal.

[0017] In some implementations, the performing interest calculation processing in the interest settlement processing of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan includes:

[0018] For the second target interest calculation detail information in the normal state in at least one piece of interest calculation detail information of the target loan, calculate the final interest of the target loan based on the second target interest calculation detail information;

[0019] The final interest is updated to the interest field corresponding to the target loan in the loan note information table, and the status in the second target interest calculation details information is updated to the interest settlement status;

[0020] For the third target interest calculation detail information in at least one interest calculation detail information of the target loan whose status is the pending interest settlement status, the accrued interest in the third target interest calculation detail information is added to the interest field corresponding to the target loan in the loan note information table, and the status in the third target interest calculation detail information is updated to the interest settlement status.

[0021] In some implementations, the performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan comprises:

[0022] When the repayment request belongs to the repayment of principal but not interest in early repayment, acquiring the fourth target interest calculation detail information of the normal state from at least one piece of interest calculation detail information of the target loan;

[0023] Splitting the fourth target interest calculation details information into two interest calculation details information, wherein the interest calculation principal of one of the interest calculation details information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the pending interest settlement status;

[0024] When the repayment request is a repayment of principal and interest in advance repayment, obtaining the fifth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0025] Splitting the fifth target interest calculation detail information into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the settlement status;

[0026] When the repayment request is a full interest repayment in early repayment, obtaining the sixth target interest calculation detail information of the normal state and the pending interest payment state from at least one piece of interest calculation detail information of the target loan;

[0027] The status of the sixth target interest calculation detail information is updated to a settled status, and an additional interest calculation detail information is added, wherein the interest calculation principal of the interest calculation detail information is the remaining principal after repayment, the start date is the current trading day, and the status is a normal status.

[0028] In some implementations, the performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan comprises:

[0029] When the repayment request belongs to the repayment of settled interest in overdue repayment, the seventh target interest calculation detail information with the status of interest settlement is obtained one by one from at least one interest calculation detail information of the target loan in the ascending order of the end date; the accrued interest of the seventh target interest calculation detail information is compared with the settled interest to be returned corresponding to the repayment request; if the accrued interest of the seventh target interest calculation detail information is less than or equal to the settled interest to be returned corresponding to the repayment request, the status of the seventh target interest calculation detail information is updated to the settled status, and the settled interest to be returned of the target loan is reduced simultaneously; until the accrued interest of the current seventh target interest calculation detail information is greater than the settled interest to be returned corresponding to the repayment request, the current seventh target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest of the settled interest to be returned corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the settled interest to be returned, and the status is the settled status;

[0030] When the repayment request belongs to the repayment of outstanding interest in overdue repayment, the eighth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; the eighth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one of the interest calculation detail information is the actual amount of outstanding interest to be repaid corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual amount of outstanding interest to be repaid, and the status is the settled status;

[0031] When the repayment request belongs to the repayment of the principal in the overdue repayment, the ninth target interest calculation detail information in the normal state is obtained from at least one interest calculation detail information of the target loan; when the interest-bearing principal in the ninth target interest calculation detail information is equal to the principal repayment amount corresponding to the repayment request, the status of the ninth target interest calculation detail information is updated to the pending interest settlement state; when the interest-bearing principal in the ninth target interest calculation detail information is greater than the principal repayment amount corresponding to the repayment request, the ninth target interest calculation detail information is split into two interest calculation detail information. The interest-bearing principal of one of the interest-bearing details is the difference between the interest-bearing principal in the ninth target interest-bearing details and the remaining principal corresponding to the repayment request, and the status is a pending interest settlement status; when the interest-bearing principal in the ninth target interest-bearing details is less than the principal repayment amount corresponding to the repayment request, the status of the ninth target interest-bearing details is updated to a pending interest settlement status, and the part of the principal repayment amount corresponding to the repayment request that is greater than the interest-bearing principal in the ninth target interest-bearing details is processed in accordance with the principal repayment but not interest repayment process in early repayment.

[0032] In some implementations, the performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan comprises:

[0033] When the repayment request is a normal repayment, obtaining the tenth target interest calculation detail information in the interest settlement state from at least one piece of interest calculation detail information of the target loan;

[0034] The tenth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one interest calculation detail information is consistent with the actual interest repayment amount corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual interest repayment amount, and the status is the settled status.

[0035] To achieve the above-mentioned purpose, the second embodiment of the present application proposes a loan interest calculation device, including:

[0036] A data acquisition module, configured to, in response to an interest settlement request or a repayment request for a target loan, acquire at least one piece of interest calculation detail information of the target loan, wherein the interest calculation detail information includes the interest-bearing principal, the interest-bearing rate, the start date, the end date, the accrued interest, and the status, wherein the status includes a normal status, an interest settlement status, a pending interest settlement status, and a settlement status; the interest calculation detail information is updated according to the interest calculation frequency;

[0037] A data update module is used to perform interest calculation processing during the interest settlement process or the interest calculation processing during the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one interest calculation detail information of the target loan.

[0038] In some implementations, the interest calculation details information is recorded in an interest calculation details table, and the fields of the interest calculation details table include the loan number, interest-bearing principal, interest-bearing rate, start date, end date, accrued interest, status, settlement serial number and settlement date.

[0039] In some implementations, the interest calculation frequency is daily, and the data updating module, when updating the interest calculation details according to the interest calculation frequency, is used to:

[0040] When calculating interest daily, for the first target interest calculation detail information in the interest calculation detail table with a status of normal, calculate the first interest from the start date to the current trading day, and update the first interest to the accrued interest field of the first target interest calculation detail information; wherein, after the loan is disbursed, a new interest calculation detail information is added to the interest calculation detail table, the start date of the interest calculation detail information is the disbursement date, the interest calculation principal is the disbursement amount, the interest calculation interest rate is the interest rate at the time of disbursement, and the status is normal;

[0041] When calculating interest daily, for a target loan for which there is no interest calculation detail information in a normal state in the interest calculation detail table and there is principal, a new interest calculation detail information is added to the interest calculation detail table, and the start date of the interest calculation detail information is the previous trading day, the interest calculation principal is the remaining principal of the target loan, and the status is normal.

[0042] In some implementations, the data updating module, when performing interest calculation processing in the interest settlement processing of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan, is used to:

[0043] For the second target interest calculation detail information in the normal state in at least one piece of interest calculation detail information of the target loan, calculate the final interest of the target loan based on the second target interest calculation detail information;

[0044] The final interest is updated to the interest field corresponding to the target loan in the loan note information table, and the status in the second target interest calculation details information is updated to the interest settlement status;

[0045] For the third target interest calculation detail information in at least one interest calculation detail information of the target loan whose status is the pending interest settlement status, the accrued interest in the third target interest calculation detail information is added to the interest field corresponding to the target loan in the loan note information table, and the status in the third target interest calculation detail information is updated to the interest settlement status.

[0046] In some implementations, the data updating module, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan, is used to:

[0047] When the repayment request belongs to the repayment of principal but not interest in early repayment, acquiring the fourth target interest calculation detail information of the normal state from at least one piece of interest calculation detail information of the target loan;

[0048] Splitting the fourth target interest calculation details information into two interest calculation details information, wherein the interest calculation principal of one of the interest calculation details information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the pending interest settlement status;

[0049] When the repayment request is a repayment of principal and interest in advance repayment, obtaining the fifth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0050] Splitting the fifth target interest calculation detail information into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the settlement status;

[0051] When the repayment request is a full interest repayment in early repayment, obtaining the sixth target interest calculation detail information of the normal state and the pending interest payment state from at least one piece of interest calculation detail information of the target loan;

[0052] The status of the sixth target interest calculation detail information is updated to a settled status, and an additional interest calculation detail information is added, wherein the interest calculation principal of the interest calculation detail information is the remaining principal after repayment, the start date is the current trading day, and the status is a normal status.

[0053] In some implementations, the data updating module, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan, is used to:

[0054] When the repayment request belongs to the repayment of settled interest in overdue repayment, the seventh target interest calculation detail information with the status of interest settlement is obtained one by one from at least one interest calculation detail information of the target loan in the ascending order of the end date; the accrued interest of the seventh target interest calculation detail information is compared with the settled interest to be returned corresponding to the repayment request; if the accrued interest of the seventh target interest calculation detail information is less than or equal to the settled interest to be returned corresponding to the repayment request, the status of the seventh target interest calculation detail information is updated to the settled status, and the settled interest to be returned of the target loan is reduced simultaneously; until the accrued interest of the current seventh target interest calculation detail information is greater than the settled interest to be returned corresponding to the repayment request, the current seventh target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest of the settled interest to be returned corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the settled interest to be returned, and the status is the settled status;

[0055] When the repayment request belongs to the repayment of outstanding interest in overdue repayment, the eighth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; the eighth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one of the interest calculation detail information is the actual amount of outstanding interest to be repaid corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual amount of outstanding interest to be repaid, and the status is the settled status;

[0056] When the repayment request belongs to the repayment of the principal in overdue repayment, the ninth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; when the interest-bearing principal in the ninth target interest calculation detail information is greater than the remaining principal corresponding to the repayment request, the ninth target interest calculation detail information is split into two interest calculation detail information, the interest-bearing principal of one interest calculation detail information is the difference between the interest-bearing principal in the ninth target interest calculation detail information and the remaining principal corresponding to the repayment request, and the status is a pending interest settlement status; when the interest-bearing principal in the ninth target interest calculation detail information is less than the remaining principal corresponding to the repayment request, an additional interest calculation detail information is added, the interest-bearing principal of the interest calculation detail information is the difference between the interest-bearing principal in the ninth target interest calculation detail information and the remaining principal corresponding to the repayment request, the start date is the current trading day, and the status is a normal status.

[0057] In some implementations, the data updating module, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest, and the interest-bearing rate in at least one piece of interest-bearing detail information of the target loan, is used to:

[0058] When the repayment request is a normal repayment, obtaining the tenth target interest calculation detail information in the interest settlement state from at least one piece of interest calculation detail information of the target loan;

[0059] The tenth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one interest calculation detail information is consistent with the actual interest repayment amount corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual interest repayment amount, and the status is the settled status.

[0060] To achieve the above-mentioned purpose, the third aspect embodiment of the present application proposes an electronic device, comprising: a processor, and a memory communicatively connected to the processor; the memory stores computer-executable instructions; the processor executes the computer-executable instructions stored in the memory to implement the method described in the first aspect.

[0061] To achieve the above-mentioned purpose, the fourth aspect of the present application proposes a computer-readable storage medium, in which computer-readable storage medium is stored computer-executable instructions, and when the computer-executable instructions are executed by a processor, they are used to implement the method described in the first aspect.

[0062] To achieve the above-mentioned purpose, the fifth aspect of the present application proposes a computer program product, including a computer program, which implements the method described in the first aspect when executed by a processor.

[0063] The loan interest calculation method, device, electronic device and storage medium provided by the present application, by adding the daily updated interest calculation details of the loan, calculates interest, settles interest and processes repayment according to the interest calculation details, transforms the existing interest calculation model, and provides a detailed interest calculation model, which changes the interest calculation of the loan balance to the detailed balance interest calculation, and can realize the splitting of the interest-bearing principal; so that when the historical repayment record needs to be corrected, the corresponding interest calculation details record can be accurately located, and the interest calculation and other operations can be performed as needed; when it is necessary to make an early repayment, the interest calculation details record with a normal status can be settled to the due repayment date, and the interest repayment can be processed after calculating the amount of interest required on the due date. In addition, the interest calculation details are recorded in an interest calculation details table for easy query and update. In addition, the repayment is divided into normal repayment, three different types of early repayment and three different types of overdue repayment, so that the interest calculation details can be processed accordingly according to different repayment types, with clear division and logic, and easy implementation.

[0064] Additional aspects and advantages of the present application will be given in part in the description below, and in part will become apparent from the description below, or will be learned through the practice of the present application. BRIEF DESCRIPTION OF THE DRAWINGS

[0065] The above and / or additional aspects and advantages of the present application will become apparent and easily understood from the following description of the embodiments in conjunction with the accompanying drawings, in which:

[0066] Figure 1 A flowchart of a loan interest calculation method provided in an embodiment of the present application;

[0067] Figure 2 A flowchart of the detailed record of interest calculation after loan disbursement provided in the embodiment of the present application;

[0068] Figure 3 A flowchart of the interest calculation details processing when calculating interest provided in the embodiment of the present application;

[0069] Figure 4 A flowchart of the interest calculation details processing when settling interest provided in the embodiment of the present application;

[0070] Figure 5 A flowchart of the processing of interest calculation details for early repayment provided in an embodiment of the present application;

[0071] Figure 6 A flowchart of the detailed processing of interest calculation when overdue repayment is provided in the embodiment of the present application;

[0072] Figure 7 A flowchart of the interest calculation details processing during normal repayment provided by the embodiment of the present application;

[0073] Figure 8A block diagram of a loan interest calculation device provided in an embodiment of the present application;

[0074] Fig. 9 A block diagram of an electronic device provided in an embodiment of the present application. DETAILED DESCRIPTION

[0075] Embodiments of the present application are described in detail below, and examples of the embodiments are shown in the accompanying drawings, wherein the same or similar reference numerals throughout represent the same or similar elements or elements having the same or similar functions. The embodiments described below with reference to the accompanying drawings are exemplary and are intended to be used to explain the present application, and should not be construed as limiting the present application.

[0076] The following describes the loan interest calculation method, device and equipment of the embodiments of the present application with reference to the accompanying drawings.

[0077] Figure 1 A flowchart of a loan interest calculation method provided in an embodiment of the present application.

[0078] It should be noted that the executor of the loan interest calculation method of the embodiment of the present application is the loan interest calculation device of the embodiment of the present application, and the loan interest calculation device can be configured in an electronic device so that the electronic device can perform the loan interest calculation function.

[0079] like Figure 1 As shown, the loan interest calculation method includes the following steps:

[0080] Step 101, in response to an interest settlement request or repayment request for a target loan, obtain at least one interest calculation detail information of the target loan, the interest calculation detail information including the interest-bearing principal, interest-bearing rate, start date, end date, accrued interest and status, the status including normal status, interest settlement status, pending interest settlement status and settled status; the interest calculation detail information is updated according to the interest calculation frequency.

[0081] As an implementation method, the interest calculation details information is recorded in the interest calculation details table, and the fields of the interest calculation details table include the loan number, interest-bearing principal, interest-bearing rate, start date, end date, accrued interest, status, settlement serial number and settlement date.

[0082] Exemplarily, the interest calculation details table is shown in Table 1.

[0083] Table 1: Interest Calculation Details

[0084]

[0085] In some embodiments, the interest calculation frequency is daily, and the interest calculation details are updated according to the interest calculation frequency, including:

[0086] When calculating interest daily, for the first target interest calculation detail information in the interest calculation detail table with a normal status, calculate the first interest from the start date to the current trading day, and update the first interest to the accrued interest field of the first target interest calculation detail information; wherein, after the loan is disbursed, a new interest calculation detail information is added to the interest calculation detail table, the start date of the interest calculation detail information is the disbursement date, the interest-bearing principal is the disbursement amount, the interest-bearing interest rate is the interest rate at the time of disbursement, and the status is normal; when calculating interest daily, for the target loan in the interest calculation detail table for which there is no interest calculation detail information in the normal status and there is principal, a new interest calculation detail information is added to the interest calculation detail table, the start date of the interest calculation detail information is the previous trading day, the interest-bearing principal is the remaining principal of the target loan, and the status is normal.

[0087] That is to say, this embodiment realizes daily interest calculation through the interest calculation details table.

[0088] like Figure 2 As shown, after the loan is disbursed, a new normal interest calculation detail record will be added to the interest calculation detail table. The start date is the loan date, the interest-bearing principal is the loan amount, the interest-bearing interest rate is the interest rate at the time of loan disbursement, and the status is normal.

[0089] like Figure 3 As shown, when calculating interest daily, determine whether the target loan has a normal interest calculation detail. If so, calculate interest; if not, add a new normal interest calculation detail record. When a normal interest calculation detail exists, obtain the interest calculation detail record with a normal status, calculate the interest from the start date to the transaction date, and update it to the accrued interest field of the interest calculation detail record. If not, it means that when calculating interest, there is no record with a normal status in the interest calculation detail table, and there is principal, then add a new interest calculation detail record, the interest calculation principal is the remaining principal of the loan, the start date is the previous transaction day, and the status is normal.

[0090] For example, if the loan is disbursed on October 8, 2024, a new record a will be added to the interest calculation details table, with the start date being the disbursement date, the interest-bearing principal being the disbursement amount, the interest-bearing rate being the interest rate at the time of disbursement, and the status being normal. When the interest is calculated on October 9, 2024, the interest from the start date of October 8 to October 9, 2024 is calculated, and the interest is added to the accrued interest field of record a. When the interest is calculated on October 10, 2024, the interest from the start date of October 8 to October 10, 2024 is calculated, and the interest is updated to the accrued interest field of record a.

[0091] Step 102, based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan, perform interest-bearing processing in the interest settlement process or interest-bearing processing in the repayment process of the target loan.

[0092] It should be noted that the bank will calculate the interest on the loan at a certain frequency, for example, monthly. When performing the interest settlement process, the embodiment of the present application needs to process the interest calculation detail records in the interest calculation detail table with the status of normal and pending interest settlement.

[0093] As an implementation method, based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one piece of interest-bearing detail information of the target loan, the interest-bearing process of the target loan is performed, including:

[0094] For the second target interest calculation detail information in the at least one interest calculation detail information of the target loan, which is in a normal state, the final interest of the target loan is calculated based on the second target interest calculation detail information;

[0095] The final interest is updated to the interest field corresponding to the target loan in the loan note information table, and the status in the second target interest calculation details is updated to the interest settlement status;

[0096] For the third target interest calculation detail information in at least one interest calculation detail information of the target loan whose status is pending interest settlement, the accrued interest in the third target interest calculation detail information is added to the interest field corresponding to the target loan in the loan note information table, and the status in the third target interest calculation detail information is updated to the interest settlement status.

[0097] like Figure 4 As shown, when calculating the interest settlement, obtain the interest-bearing detail record with a normal status in the interest-bearing detail table, recalculate the final interest based on the interest-bearing principal, interest-bearing rate, and interest-bearing start and end dates, add the calculated final interest to the corresponding interest field in the loan information table, and update the status of the interest-bearing detail record to interest settlement. Similarly, obtain the interest-bearing detail record with a status of pending interest settlement, add the interest in the record to the interest field in the loan information table, and also update the status of the interest-bearing detail record to interest settlement.

[0098] It should be noted that the types of repayments that users can choose include normal repayment, early repayment and overdue repayment. Early repayment includes repayment of principal but not interest, repayment of principal with interest and full repayment of interest, etc. Overdue repayment includes repayment of settled interest, repayment of outstanding interest and repayment of principal, etc. The following is an explanation of the processing of each repayment type.

[0099] As an implementation method, the interest calculation process of the target loan in the repayment process is performed based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan; including:

[0100] When the repayment request belongs to the repayment of principal but not interest in early repayment, obtaining fourth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0101] The fourth target interest calculation detail information is split into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the pending interest settlement status;

[0102] When the repayment request is for repayment of principal and interest in early repayment, obtaining fifth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0103] The fifth target interest calculation detail information is split into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the settlement status;

[0104] When the repayment request is a full interest repayment in early repayment, obtaining sixth target interest calculation detail information in a normal state and a pending interest payment state from at least one piece of interest calculation detail information of the target loan;

[0105] Update the status of the sixth target interest calculation details information to the settled status, and add an interest calculation details information at the same time. The interest calculation principal of the interest calculation details information is the remaining principal after repayment, the start date is the current trading day, and the status is normal.

[0106] like Figure 5 As shown, the following operations are performed for the three types of early repayment:

[0107] A1. If no interest is paid, obtain the record with normal status in the interest calculation details table, split the record into two interest calculation details records according to the principal repayment amount, and update the status of the record with the interest-bearing principal as the principal repayment amount to pending interest, and the accrued interest is calculated based on this part of the principal.

[0108] B1. If the repayment of principal corresponds to interest, obtain the record with normal status in the interest calculation details table, split the record into two interest calculation details records according to the principal repayment amount, and update the status of the record with the interest-bearing principal as the principal repayment amount to settled, the accrued interest is the interest corresponding to the principal repayment amount, the serial number is the serial number of this repayment, and the date is the interest calculation details record of the current repayment date.

[0109] C1. If the full amount is to be repaid with interest, change the status of all records with pending interest to settled, with the serial number being the serial number of this repayment and the date being the date of this repayment; change the status of all records with normal status to settled, recalculate the interest, with the serial number being the serial number of this repayment and the date being the date of this repayment; at the same time, add a new normal interest calculation detail, with the start date being the transaction day and the interest-bearing principal being the remaining principal after repayment.

[0110] As an implementation method, the interest calculation process of the target loan in the repayment process is performed based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan; including:

[0111] When the repayment request belongs to the repayment of settled interest in overdue repayment, the seventh target interest calculation detail information with the status of interest settlement is obtained one by one from at least one interest calculation detail information of the target loan in ascending order of end date; the accrued interest of the seventh target interest calculation detail information is compared with the repayment settled interest corresponding to the repayment request; if the accrued interest of the seventh target interest calculation detail information is less than or equal to the repayment settled interest corresponding to the repayment request, the status of the seventh target interest calculation detail information is updated to the settlement status, and the repayment settled interest of the target loan is reduced simultaneously; until the accrued interest of the current seventh target interest calculation detail information is greater than the repayment settled interest corresponding to the repayment request, the current seventh target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest of the repayment settled interest corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the repayment settled interest, and the status is the settlement status;

[0112] When the repayment request belongs to the repayment of outstanding interest in overdue repayment, the eighth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; the eighth target interest calculation detail information is split into two interest calculation detail information, one of which has an accrued interest of the actual outstanding interest amount to be repaid corresponding to the repayment request, an interest-bearing principal of the actual outstanding interest amount to be repaid, and a status of being settled;

[0113] When the repayment request belongs to the repayment of the principal in overdue repayment, the ninth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; when the interest-bearing principal in the ninth target interest calculation detail information is equal to the principal repayment amount corresponding to the repayment request, the status of the ninth target interest calculation detail information is updated to the pending interest settlement status; when the interest-bearing principal in the ninth target interest calculation detail information is greater than the principal repayment amount corresponding to the repayment request, the ninth target interest calculation detail information is split into two interest calculation detail information, one of which has an interest-bearing principal that is the difference between the interest-bearing principal in the ninth target interest calculation detail information and the remaining principal corresponding to the repayment request, and has a pending interest settlement status; when the interest-bearing principal in the ninth target interest calculation detail information is less than the principal repayment amount corresponding to the repayment request, the status of the ninth target interest calculation detail information is updated to the pending interest settlement status, and the part of the principal repayment amount corresponding to the repayment request that is greater than the interest-bearing principal in the ninth target interest calculation detail information is processed according to the principal repayment but not interest repayment process in early repayment.

[0114] like Figure 6 As shown, the following operations are performed for the three types of overdue repayments:

[0115] A2. When the interest to be repaid is the interest that has been accrued (expressed by returning the settled interest), obtain the records with the status of interest settlement from the interest calculation details table in the forward order of the interest calculation end date, and compare them with the settled interest to be returned one by one. If the accrued interest is less than or equal to the settled interest to be returned this time, change the status of the record to settled, the serial number is the serial number of this repayment, the date is the date of this repayment, and the settled interest to be returned is reduced simultaneously; continue to compare the next one, until the interest of a certain record is greater than the settled interest to be returned, then separate the accrued interest from this record as the settled interest to be returned, the interest-bearing principal is the principal corresponding to this part of the interest, the status is settled, the serial number is the serial number of this repayment, and the date is the date of this repayment.

[0116] B2. When repaying the outstanding interest (expressing the interest by repaying the outstanding interest), obtain the record with a normal status from the interest calculation details table, split the record into two interest calculation details according to the interest amount, and update the status of the record whose interest is equal to the interest repayment amount to settled, the serial number is the serial number of this repayment, and the date is the repayment date of this repayment.

[0117] C2. When repaying the principal, obtain the record with a normal status in the interest-bearing details table. When there is no record, do not process it (when calculating interest, the record will be added); when the interest-bearing principal in the record is equal to the principal repayment amount this time, update the status of this record to pending interest settlement; when the interest-bearing principal in the record is greater than the principal repayment amount this time, split out an interest-bearing principal with the amount of (the difference between the original interest-bearing principal and the remaining principal), the interest is the interest corresponding to this part of the principal, and the status is pending interest settlement; when the interest-bearing principal in the record is less than the principal repayment amount this time, update this record to pending interest settlement; the remaining principal repayment amount this time is treated as early principal repayment, that is, according to Figure 5 Processed in step A1.

[0118] As an implementation method, the interest calculation process of the target loan in the repayment process is performed based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan; including:

[0119] When the repayment request belongs to a normal repayment, the tenth target interest calculation detail information with a status of interest settlement is obtained from at least one interest calculation detail information of the target loan; the tenth target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest consistent with the actual interest repayment amount corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual interest repayment amount, and the status is settlement status.

[0120] like Figure 7 As shown, when making normal repayments, obtain the interest calculation detail record with the status of interest settlement, and split the record into two interest calculation detail records according to the interest repayment amount. One of the records has the accrued interest as the actual interest repayment amount, the interest-bearing principal as the principal corresponding to this part of the interest, the status as settled, the serial number as the serial number of this repayment, and the date as the interest calculation detail record of the current repayment date.

[0121] It should be noted that when it is necessary to reverse the historical repayment record, the interest calculation details table can be queried according to the repayment principal or the interest returned, and the interest calculation details corresponding to the transaction can be accurately located to restore the interest amount of that part, thereby realizing convenient repayment reversal processing. However, the existing technology uses the loan balance to calculate interest. When reversal is required, the loan balance can only be accumulated according to the repayment principal or the interest returned, and the accuracy of the information obtained is poor.

[0122] The loan interest calculation method in the embodiment of the present application, by adding daily updated interest calculation detail information of the loan, performs interest calculation, interest settlement and repayment processing according to the interest calculation detail information, transforms the existing interest calculation model, and provides a detailed interest calculation model, which changes the interest calculation of the loan balance to the detailed balance interest calculation, and can realize the splitting of the interest-bearing principal; therefore, when the historical repayment record needs to be corrected, the corresponding interest calculation detail information record can be accurately located, and operations such as supplementary interest calculation can be performed as needed; when it is necessary to make an early repayment, the interest calculation detail record with a normal status can be settled until the due repayment date, and after calculating the interest repayment amount required on the due date, the repayment can be processed on schedule.

[0123] In order to implement the above embodiment, the present application also proposes a loan interest calculation device. Figure 8 This is a schematic diagram of the structure of a loan interest calculation device provided in an embodiment of the present application. Figure 8 As shown, the loan interest calculation device may include: a data acquisition module 801 and a data update module 802.

[0124] The data acquisition module 801 is used to obtain at least one interest calculation detail information of the target loan in response to the interest settlement request or repayment request for the target loan, the interest calculation detail information includes the interest-bearing principal, interest-bearing rate, start date, end date, accrued interest and status, the status includes normal status, interest settlement status, pending interest settlement status and settlement status; the interest calculation detail information is updated according to the interest calculation frequency;

[0125] The data update module 802 is used to perform interest calculation processing during the interest settlement process or the interest calculation processing during the repayment process of the target loan based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan.

[0126] Furthermore, in a possible implementation of an embodiment of the present application, the interest calculation details information is recorded in an interest calculation details table, and the fields of the interest calculation details table include the loan number, interest-bearing principal, interest-bearing rate, start date, end date, accrued interest, status, settlement serial number and settlement date.

[0127] Furthermore, in a possible implementation of the embodiment of the present application, the interest calculation frequency is daily, and the data updating module 802 is used to:

[0128] When calculating interest daily, for the first target interest-bearing detail information in the interest-bearing detail table with a status of normal, calculate the first interest from the start date to the current trading day, and update the first interest to the accrued interest field of the first target interest-bearing detail information; wherein, after the loan is disbursed, a new interest-bearing detail information is added to the interest-bearing detail table, the start date of the interest-bearing detail information is the disbursement date, the interest-bearing principal is the disbursement amount, the interest-bearing interest rate is the interest rate at the time of disbursement, and the status is normal;

[0129] When calculating interest daily, for the target loan for which there is no interest calculation detail information in the normal status in the interest calculation detail table and the principal exists, a new interest calculation detail information is added to the interest calculation detail table. The start date of the interest calculation detail information is the previous trading day, the interest calculation principal is the remaining principal of the target loan, and the status is normal.

[0130] Further, in a possible implementation of the embodiment of the present application, the data updating module 802, when performing interest calculation processing in the interest settlement processing of the target loan based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan, is used to:

[0131] For the second target interest calculation detail information in the at least one interest calculation detail information of the target loan, which is in a normal state, the final interest of the target loan is calculated based on the second target interest calculation detail information;

[0132] The final interest is updated to the interest field corresponding to the target loan in the loan note information table, and the status in the second target interest calculation details is updated to the interest settlement status;

[0133] For the third target interest calculation detail information in at least one interest calculation detail information of the target loan whose status is pending interest settlement, the accrued interest in the third target interest calculation detail information is added to the interest field corresponding to the target loan in the loan note information table, and the status in the third target interest calculation detail information is updated to the interest settlement status.

[0134] Further, in a possible implementation of the embodiment of the present application, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, interest-bearing principal, accrued interest, and interest-bearing rate in at least one interest-bearing detail information of the target loan, 802 is used to:

[0135] When the repayment request belongs to the repayment of principal but not interest in early repayment, obtaining fourth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0136] The fourth target interest calculation detail information is split into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the pending interest settlement status;

[0137] When the repayment request is for repayment of principal and interest in early repayment, obtaining fifth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan;

[0138] The fifth target interest calculation detail information is split into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the settlement status;

[0139] When the repayment request is a full interest repayment in early repayment, obtaining sixth target interest calculation detail information in a normal state and a pending interest payment state from at least one piece of interest calculation detail information of the target loan;

[0140] Update the status of the sixth target interest calculation details information to the settled status, and add an interest calculation details information at the same time. The interest calculation principal of the interest calculation details information is the remaining principal after repayment, the start date is the current trading day, and the status is normal.

[0141] Further, in a possible implementation of the embodiment of the present application, the data updating module 802, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan, is used to:

[0142] When the repayment request belongs to the repayment of settled interest in overdue repayment, the seventh target interest calculation detail information with the status of interest settlement is obtained one by one from at least one interest calculation detail information of the target loan in ascending order of end date; the accrued interest of the seventh target interest calculation detail information is compared with the repayment settled interest corresponding to the repayment request; if the accrued interest of the seventh target interest calculation detail information is less than or equal to the repayment settled interest corresponding to the repayment request, the status of the seventh target interest calculation detail information is updated to the settlement status, and the repayment settled interest of the target loan is reduced simultaneously; until the accrued interest of the current seventh target interest calculation detail information is greater than the repayment settled interest corresponding to the repayment request, the current seventh target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest of the repayment settled interest corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the repayment settled interest, and the status is the settlement status;

[0143] When the repayment request belongs to the repayment of outstanding interest in overdue repayment, the eighth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; the eighth target interest calculation detail information is split into two interest calculation detail information, one of which has an accrued interest of the actual outstanding interest amount to be repaid corresponding to the repayment request, an interest-bearing principal of the actual outstanding interest amount to be repaid, and a status of being settled;

[0144] When the repayment request belongs to the repayment of the principal in overdue repayment, the ninth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; when the interest-bearing principal in the ninth target interest calculation detail information is greater than the remaining principal corresponding to the repayment request, the ninth target interest calculation detail information is split into two interest calculation detail information, the interest-bearing principal of one interest calculation detail information is the difference between the interest-bearing principal in the ninth target interest calculation detail information and the remaining principal corresponding to the repayment request, and the status is the pending interest settlement status; when the interest-bearing principal in the ninth target interest calculation detail information is less than the remaining principal corresponding to the repayment request, an additional interest calculation detail information is added, the interest-bearing principal of the interest calculation detail information is the difference between the interest-bearing principal in the ninth target interest calculation detail information and the remaining principal corresponding to the repayment request, the start date is the current trading day, and the status is normal.

[0145] Further, in a possible implementation of the embodiment of the present application, the data updating module 802, when performing interest calculation processing in the repayment process of the target loan based on one or more of the status, interest-bearing principal, accrued interest and interest-bearing rate in at least one interest-bearing detail information of the target loan, is used to:

[0146] When the repayment request is a normal repayment, obtaining a tenth target interest calculation detail information in the interest settlement state from at least one piece of interest calculation detail information of the target loan;

[0147] The tenth target interest calculation detail information is split into two interest calculation detail information, in which the accrued interest of one interest calculation detail information is consistent with the actual interest repayment amount corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual interest repayment amount, and the status is settled.

[0148] It should be noted that the above explanation of the embodiment of the loan interest calculation method is also applicable to the loan interest calculation device of this embodiment, and will not be repeated here.

[0149] In order to implement the above embodiment, the present application also proposes an electronic device. Fig. 9 , Fig. 9 Schematic diagram of the structure of the electronic device provided in the embodiment of the present application. Fig. 9As shown, the electronic device 900 includes: a processor 901, and a memory 902 communicatively connected to the processor 901; the memory 902 stores computer-executable instructions; the processor 901 executes the computer-executable instructions stored in the memory to implement the method provided in the aforementioned embodiment.

[0150] In order to implement the above embodiments, the present application also proposes a computer-readable storage medium, in which computer-executable instructions are stored. When the computer-executable instructions are executed by a processor, they are used to implement the methods provided by the above embodiments.

[0151] In order to implement the above embodiments, the present application also proposes a computer program product, including a computer program, which implements the methods provided by the above embodiments when executed by a processor.

[0152] The collection, storage, use, processing, transmission, provision and disclosure of user personal information involved in this application are in compliance with relevant laws and regulations and do not violate public order and good morals.

[0153] It should be noted that personal information from users should be collected for legitimate and reasonable purposes and should not be shared or sold outside of these legitimate uses. In addition, such collection / sharing should be carried out after receiving the user's informed consent, including but not limited to notifying the user to read the user agreement / user notice and sign the agreement / authorization including authorization of relevant user information before the user uses the function. In addition, any necessary steps should be taken to protect and safeguard access to such personal information data and ensure that others who have access to personal information data comply with its privacy policy and procedures.

[0154] The present application is expected to provide an implementation scheme for users to selectively block the use or access of personal information data. That is, the present disclosure is expected to provide hardware and / or software to prevent or block access to such personal information data. Once the personal information data is no longer needed, the risk can be minimized by limiting data collection and deleting the data. In addition, when applicable, such personal information is de-identified to protect the privacy of the user.

[0155] In the description of the aforementioned embodiments, the description with reference to the terms "one embodiment", "some embodiments", "example", "specific example", or "some examples" etc. means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present application. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner. In addition, those skilled in the art may combine and combine the different embodiments or examples described in this specification and the features of the different embodiments or examples, without contradiction.

[0156] In addition, the terms "first" and "second" are used for descriptive purposes only and should not be understood as indicating or implying relative importance or implicitly indicating the number of the indicated technical features. Therefore, the features defined as "first" and "second" may explicitly or implicitly include at least one of the features. In the description of this application, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise clearly and specifically defined.

[0157] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, fragment or portion of code comprising one or more executable instructions for implementing the steps of a custom logical function or process, and the scope of the preferred embodiments of the present application includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by technicians in the technical field to which the embodiments of the present application belong.

[0158] The logic and / or steps represented in the flowchart or otherwise described herein, for example, can be considered as an ordered list of executable instructions for implementing logical functions, and can be embodied in any computer-readable medium for use by an instruction execution system, device or apparatus (such as a computer-based system, a system including a processor, or other system that can fetch instructions from an instruction execution system, device or apparatus and execute the instructions), or in combination with these instruction execution systems, devices or apparatuses. For the purpose of this specification, "computer-readable medium" can be any device that can contain, store, communicate, propagate or transmit a program for use by an instruction execution system, device or apparatus, or in combination with these instruction execution systems, devices or apparatuses. More specific examples of computer-readable media (a non-exhaustive list) include the following: an electrical connection with one or more wires (electronic device), a portable computer disk box (magnetic device), a random access memory (RAM), a read-only memory (ROM), an erasable and programmable read-only memory (EPROM or flash memory), a fiber optic device, and a portable compact disk read-only memory (CDROM). In addition, the computer-readable medium may even be paper or other suitable medium on which the program is printed, since the program may be obtained electronically, for example, by optically scanning the paper or other medium and then editing, interpreting or processing in other suitable ways if necessary, and then stored in a computer memory.

[0159] It should be understood that the various parts of the present application can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, multiple steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0160] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0161] In addition, each functional unit in each embodiment of the present application may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0162] The storage medium mentioned above may be a read-only memory, a magnetic disk or an optical disk, etc. Although the embodiments of the present application have been shown and described above, it can be understood that the above embodiments are exemplary and cannot be understood as limiting the present application. A person of ordinary skill in the art may change, modify, replace and modify the above embodiments within the scope of the present application.

Claims

1. A loan interest calculation method, characterized in that: The following steps are involved: In response to an interest settlement request or a repayment request for a target loan, obtaining at least one piece of interest calculation detail information of the target loan, the interest calculation detail information including the interest-bearing principal, the interest-bearing rate, the start date, the end date, the accrued interest and the status, the status including the normal status, the interest settlement status, the pending interest settlement status and the settlement status; the interest calculation detail information is updated according to the interest calculation frequency; Based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one interest-bearing detail information of the target loan, interest calculation processing is performed during the interest settlement process or during the repayment process of the target loan.

2. The method according to claim 1, characterized in that The interest calculation details information is recorded in the interest calculation details table, and the fields of the interest calculation details table include the loan note number, interest-bearing principal, interest-bearing rate, start date, end date, accrued interest, status, settlement serial number and settlement date.

3. The method according to claim 2, characterized in that The interest calculation frequency is daily, and the interest calculation details are updated according to the interest calculation frequency, including: When calculating interest daily, for the first target interest calculation detail information in the interest calculation detail table with a status of normal, calculate the first interest from the start date to the current trading day, and update the first interest to the accrued interest field of the first target interest calculation detail information; wherein, after the loan is disbursed, a new interest calculation detail information is added to the interest calculation detail table, the start date of the interest calculation detail information is the disbursement date, the interest calculation principal is the disbursement amount, the interest calculation interest rate is the interest rate at the time of disbursement, and the status is normal; When calculating interest daily, for a target loan for which there is no interest calculation detail information in a normal state in the interest calculation detail table and there is principal, a new interest calculation detail information is added to the interest calculation detail table, and the start date of the interest calculation detail information is the previous trading day, the interest calculation principal is the remaining principal of the target loan, and the status is normal.

4. The method according to claim 1, characterized in that The performing interest calculation processing in the interest settlement processing of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one piece of interest-bearing detailed information of the target loan comprises: For the second target interest calculation detail information in the normal state in at least one piece of interest calculation detail information of the target loan, calculate the final interest of the target loan based on the second target interest calculation detail information; The final interest is updated to the interest field corresponding to the target loan in the loan note information table, and the status in the second target interest calculation details information is updated to the interest settlement status; For the third target interest calculation detail information in at least one interest calculation detail information of the target loan whose status is the pending interest settlement status, the accrued interest in the third target interest calculation detail information is added to the interest field corresponding to the target loan in the loan note information table, and the status in the third target interest calculation detail information is updated to the interest settlement status.

5. The method according to claim 1, characterized in that The step of performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one piece of interest-bearing detailed information of the target loan comprises: When the repayment request belongs to the repayment of principal but not interest in early repayment, acquiring the fourth target interest calculation detail information of the normal state from at least one piece of interest calculation detail information of the target loan; Splitting the fourth target interest calculation details information into two interest calculation details information, wherein the interest calculation principal of one of the interest calculation details information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the pending interest settlement status; When the repayment request is a repayment of principal and interest in advance repayment, obtaining the fifth target interest calculation detail information in a normal state from at least one piece of interest calculation detail information of the target loan; Splitting the fifth target interest calculation detail information into two interest calculation detail information, wherein the interest calculation principal of one of the interest calculation detail information is the principal repayment amount corresponding to the repayment request, the accrued interest is the interest corresponding to the principal repayment amount, and the status is the settlement status; When the repayment request is a full interest repayment in early repayment, obtaining the sixth target interest calculation detail information of the normal state and the pending interest payment state from at least one interest calculation detail information of the target loan; The status of the sixth target interest calculation detail information is updated to a settled status, and an additional interest calculation detail information is added, wherein the interest calculation principal of the interest calculation detail information is the remaining principal after repayment, the start date is the current trading day, and the status is a normal status.

6. The method according to claim 1, characterized in that The step of performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one piece of interest-bearing detailed information of the target loan comprises: When the repayment request belongs to the repayment of settled interest in overdue repayment, the seventh target interest calculation detail information with the status of interest settlement is obtained one by one from at least one interest calculation detail information of the target loan in the ascending order of the end date; the accrued interest of the seventh target interest calculation detail information is compared with the settled interest to be returned corresponding to the repayment request; if the accrued interest of the seventh target interest calculation detail information is less than or equal to the settled interest to be returned corresponding to the repayment request, the status of the seventh target interest calculation detail information is updated to the settled status, and the settled interest to be returned of the target loan is reduced simultaneously; until the accrued interest of the current seventh target interest calculation detail information is greater than the settled interest to be returned corresponding to the repayment request, the current seventh target interest calculation detail information is split into two interest calculation detail information, one of which has the accrued interest of the settled interest to be returned corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the settled interest to be returned, and the status is the settled status; When the repayment request belongs to the repayment of outstanding interest in overdue repayment, the eighth target interest calculation detail information with a normal status is obtained from at least one interest calculation detail information of the target loan; the eighth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one of the interest calculation detail information is the actual amount of outstanding interest to be repaid corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual amount of outstanding interest to be repaid, and the status is the settled status; When the repayment request belongs to the repayment of the principal in the overdue repayment, the ninth target interest calculation detail information in the normal state is obtained from at least one interest calculation detail information of the target loan; when the interest-bearing principal in the ninth target interest calculation detail information is equal to the principal repayment amount corresponding to the repayment request, the status of the ninth target interest calculation detail information is updated to the pending interest settlement state; when the interest-bearing principal in the ninth target interest calculation detail information is greater than the principal repayment amount corresponding to the repayment request, the ninth target interest calculation detail information is split into two interest calculation detail information. The interest-bearing principal of one of the interest-bearing details is the difference between the interest-bearing principal in the ninth target interest-bearing details and the remaining principal corresponding to the repayment request, and the status is a pending interest settlement status; when the interest-bearing principal in the ninth target interest-bearing details is less than the principal repayment amount corresponding to the repayment request, the status of the ninth target interest-bearing details is updated to a pending interest settlement status, and the part of the principal repayment amount corresponding to the repayment request that is greater than the interest-bearing principal in the ninth target interest-bearing details is processed in accordance with the principal repayment but not interest repayment process in early repayment.

7. The method according to claim 1, characterized in that The step of performing interest calculation processing in the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one piece of interest-bearing detailed information of the target loan comprises: When the repayment request is a normal repayment, obtaining the tenth target interest calculation detail information in the interest settlement state from at least one piece of interest calculation detail information of the target loan; The tenth target interest calculation detail information is split into two interest calculation detail information, wherein the accrued interest of one interest calculation detail information is consistent with the actual interest repayment amount corresponding to the repayment request, the interest-bearing principal is the principal corresponding to the actual interest repayment amount, and the status is the settled status.

8. A loan interest calculation device, characterized in that: include: A data acquisition module, configured to, in response to an interest settlement request or a repayment request for a target loan, acquire at least one piece of interest calculation detail information of the target loan, wherein the interest calculation detail information includes an interest-bearing principal, an interest-bearing rate, a start date, an end date, accrued interest, and a status, wherein the status includes a normal status, an interest settlement status, a pending interest settlement status, and a settlement status; The interest calculation details are updated according to the interest calculation frequency; A data update module is used to perform interest calculation processing during the interest settlement process or the interest calculation processing during the repayment process of the target loan based on one or more of the status, the interest-bearing principal, the accrued interest and the interest-bearing rate in at least one interest calculation detail information of the target loan.

9. An electronic device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 7 when executed by a processor.

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